try this: ( u may not have charms like me but try and find similar ones that are cheap/ aka grind)
1-10 i just shrine items since my charm can take me there without a problem
10-30 i use this charm
Rare heal V
Level Req: 10
Heals: 67 to 180
Mana Cost: 45
+92% Enhanced Effect
+1% Damage Return
with my gears (+10 int weapon, +20 int armor) this will give u about 100-200+ (around there) heal which is like what, a third of ur life?
from 30-55 i use this charm
Rare focused heal IX
Level Req: 30
Heals: 140 to 168
Mana Cost: 85
+89% Enhanced Effect
+9% Experience Gained
from my nears 30's i have an armor/weapon with about 30+int, really its up to u to buy how much int u want but its recommended to have very high int since this will give u a boost of offensive/heal charms effects.
when ya get to 50s i think u can find cheap charms with low ee that are at least better then the charms above